Save on 1998 Toyota Celica Insurance Rates

Having to pay for overpriced insurance can empty your bank account and put the squeeze on your family’s finances. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill.

Since consumers have many online and local companies to choose from, it can be impossible to find the best insurer.

The quickest method to get rate comparisons is to know most of the larger companies participate in online systems to give you rate quotes. To begin a comparison, all you need to do is give the companies some data including if your license is active, an estimate of your credit level, if the vehicle is leased, and if a SR-22 is required. The data is instantly provided to all major companies and they provide comparison quotes quickly.

To check rates for your Toyota Celica , click here and enter your zip code.

Save $408 a year? Really?

Insurance companies such as Allstate and Progressive regularly use ads in print and on television. They all seem to make an identical promise of big savings if you move to their company. How can each company say the same thing?

Insurance companies have a certain “appetite” for the type of customer that earns them a profit. A good example of a driver they prefer could be between the ages of 40 and 55, has no prior claims, and drives less than 7,500 miles a year. A propective insured who matches those parameters will get the preferred rates and therefore will save when they switch companies.

Potential customers who fall outside these standards will be charged higher rates and ends up with the customer not buying. The ad wording is “customers that switch” not “people who quote” save that much money. This is how companies can advertise the way they do. That is why you need to get as many quotes as possible. It’s impossible to know which insurance company will give you the biggest savings on Toyota Celica insurance.

Discounts are available to cut your rates

Companies that sell car insurance don’t always list all available discounts in a way that’s easy to find, so the following is a list of some of the best known and the more hidden discounts you could be receiving.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Good Student – This discount can save 20 to 25%. The discount lasts up to age 25.
  • Distant Student – Children living away from home attending college and do not have a car can receive lower rates.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates when shopping for insurance for Celica coverage.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

Keep in mind that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you’re out of luck.

Car insurance companies who might offer these benefits include:

Double check with every prospective company which discounts you may be entitled to. Discounts might not apply everywhere.

Everyone needs different coverages

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can aid in determining whether you would benefit from professional advice.

  • Should I sign the liability waiver when renting a car?
  • Do I need roadside assistance coverage?
  • Do I need replacement cost coverage?
  • What are the best liability limits?
  • What can I do if my company won’t pay a claim?
  • Am I missing any policy discounts?
  • What is PIP insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Car insurance coverages explained

Learning about specific coverages of a car insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on the average car insurance policy.

Liability car insurance

Liability insurance can cover damage that occurs to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things like pain and suffering, repair costs for stationary objects and emergency aid. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, hail damage and vandalism. The most your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Toyota Celica.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills like ambulance fees, funeral costs, EMT expenses, doctor visits and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, crashing into a building, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

More choices the merrier

In this article, we covered a lot of ways to shop for 1998 Toyota Celica insurance online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising. These companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive and GEICO.

When you buy insurance online, do not skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage for the lowest price.

Lower-priced insurance can be sourced online and with local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

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